Tipping point

On death of a bank account holder, should the nominee produce a succession certificate?
No. A bank should make the payment of the balance amount (held in an account) without insisting on a succession certificate, letter of administration, or obtaining any bond of indemnity. Documents that a nominee should produce are the death certificate, a written request with his identification and address proof.

Under what circumstances, will a person have to it?
A bank will demand a succession certificate only if the bank accountholder has no joint-holder or a nominee mentioned. However, while transferring the balance amount, usually the joint-holder is given preference over the nominee.